1. What should I do if I receive a payment order from a credit card that is owed to a bank?

A credit card should perform its debt repayment obligations according to law after receiving the payment order within the time limit. If it refuses to execute the payment order, the bank may apply for compulsory execution.

1. Download the payment order and check the contents.

There will be a query URL in the SMS. After opening it, enter the phone number and verification code, and download the full text of the payment order to see which institution applied for it, which court issued it and what the application amount was.

file a written objection within 2 or 15 days

There is a 15-day objection time for payment orders, which must be filed within a limited time. Moreover, the request must be made in writing, and the oral request is invalid.

3. Reasons for objection

The reasons for objection cannot be inability to repay, objection to the payment method, etc. These reasons for objection do not affect the legal effect of the payment order.

there are jurisdictional objections that are commonly used. For example, your domicile and residence are in Qinghai, but the payment order is issued by the court in Zhejiang, and you can raise jurisdiction objections.

4. Delivery method of objection

The local court shall deliver the objection to the door as far as possible. Find the contact judge, explain the situation and hand over the objection application to him.

it is unrealistic to apply for door-to-door delivery of objections from different places, and you can raise jurisdiction objections by express delivery. After the courier is sent, contact the judge by phone, raise an oral objection again, and record and save it.

2. What are the conditions for applying for pre-litigation property preservation for credit card overdue?

1. The application for pre-litigation property preservation must have the content of payment, that is, the litigation request of the applicant to file a case in the future has the content of property payment.

2. In case of emergency, failure to take corresponding preservation measures immediately may cause irreparable losses to the legitimate rights and interests of the applicant.

3. An application for pre-litigation property preservation is filed by the interested party. Interested parties, that is, people who have disputes with the respondent or think that their rights have been violated by the respondent.

4. The applicant for property preservation before litigation must provide a guarantee. If the applicant fails to provide a guarantee, the people's court shall reject the application for property preservation filed by the applicant before the prosecution.

the cardholder should pay off the credit card arrears as soon as possible after receiving the payment order. If the cardholder fails to pay, he can borrow money from his family and friends, pay off the credit card debt first, and then return the loan to his family and friends after he has the ability. Cardholders can also apply for the minimum repayment function of credit cards. As long as the minimum repayment amount is paid, it will not affect personal credit records.